Rendered image different than render preview
Viewport shading is only preview, that means the HDRI when you uncheck the world lighting will not be used in real render. So if you want to use HDRI, the correct way is to use real HDRI from World properties, change the color to Environment, select HDRI that you have (you can download from HDRIhaven.com  or use the one included in Blender (I think they are lower resolution) from Blender folder \2.82\2.82\Datafiles\Studiolights\World (change the path according to version).

but actually you can just render from the viewport in View > Viewport Render Image/Animation, it's just you may want to disable Gizmos, change viewport samples per pixel, etc
but I recommend you go the usual path of rendering until you know what you're doing